How It Works

How It Works

Explore the customer flow inside our Loan
Origination System from application to closure.

01

Apply for Loan

Start a fresh loan request in minutes by completing our guided online form.

  • Choose loan amount, tenure, purpose, and provide basic contact details.
  • Verify your mobile number with OTP to secure the onboarding session.
  • Receive a personalised onboarding link by SMS and email so you can resume anytime.
02

Upload Loan Requirements & KYC

Provide the information our credit team needs to assess your profile.

  • Loan details such as amount, purpose, tenure, and expected disbursal date.
  • Contact information and reference details.
  • Mandatory KYC documents including Aadhaar, PAN, and bank statements.
03

Customer Profile Creation

Once submitted, the system automatically prepares your borrower console.

  • Receive login credentials (email plus system-generated password).
  • Track application status from the dashboard anytime.
  • Cancel the request prior to approval if you need to pause.
04

Approval Updates

Internal scoring engines combine API responses and policy rules to produce a decision.

  • Applications are tagged as Approved or Rejected based on credit review.
  • Credit managers can add remarks or request additional documents.
  • Customers receive instant notifications for every status change.
05

Agreement Signing

Complete digital signing securely using Aadhaar eSign.

  • Sanction Letter outlining approved terms.
  • Loan Agreement covering obligations, fees, and repayment plan.
06

Loan Disbursement & EMI Tracking

Funds are released to your verified account and your repayment calendar goes live.

  • Disbursal alerts confirm the credited amount.
  • Dashboard displays the complete EMI schedule and outstanding balance.
07

EMI Payment

Never miss a payment with integrated Pay Now actions.

  • Pay instalments directly from the dashboard using Cashfree-powered links.
  • Automated email reminders include payment references and quick links.
08

Loan Closure & NOC

Finish your journey confidently once the final EMI is cleared.

  • System auto-closes the loan and triggers completion alerts.
  • Download the digitally generated No Objection Certificate (NOC).
09

Reapply Option

Ready for the next milestone? Initiate a new loan request after closure.

  • Use the dedicated “Reapply” action inside your borrower dashboard once the current loan is closed.
  • Submit fresh purpose and amount details to generate a new application in a single session.
10

Past Loan

Maintain a transparent history of every loan you have taken with us.

  • Access past loan details, including repayment performance.
  • Download historical documents directly from the Past Loan view.

Fast, Secure & Hassle-Free
Personal Loans

Apply for a Loan